nothing but bitter stalemate, it's easy to forget that it was just one year ago that washington actually got something done, the dodd frank act, a complete overhaul of the regulations governing our financial system intended to ensure that we would never again suffer another 2008-style meltdown. >> these reforms represent the strongest consumer financial protections in history. and these protections will be enforced by a new consumer watchdog with just one job, looking out for people, not big banks, not lenders, not investment houses, looking out for people-- . >> jon: what, wait, who? who are we looking out for before? (laughter) anyway, the dodd frank act is now one year old. and here to discuss the effect it's having in reforming a damaged financial system, we're very lucky to have with us tonight, hr 4127-- 4173. the dodd frank act, everybody.